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How transactions post

Chase Overdraft Services

How transactions post

Here’s the order in which we generally apply deposits and withdrawals to your account each business day:

First:

We add your deposit to your account

Second:

We subtract wire transfers, everyday (not recurring) debit card transactions, online banking transactions, ATM withdrawals, teller cash withdrawals and checks you write that are either cashed or deposited at a teller station by a Chase employee, in the order in which they are authorized, withdrawn, cashed or deposited

Third:

We subtract all other items including checks you write that are either cashed or deposited at an ATM, starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order in certain states

For more information on how your transactions post, see our:

Personal checking accounts (PDF)

Business accounts (PDF)

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we do not place a hold and the check is not returned. Here are the cutoff times for making a deposit or transferring funds from another Chase account:

  • At a branch before it closes
  • At an ATM or when transferring money on chase.com or Chase Mobile® or using Chase QuickPay® with Zelle® before 11 p.m. Eastern time (8 p.m. Pacific time)